Savings account vs ETF returns: what to assume

Use conservative assumptions and compare a range. Planning with one optimistic number can mislead.

Use a range, not one number

For ETFs, try conservative + mid. For savings, model today’s rate and a lower future rate in case rates fall.

Is an ETF always better than savings?

No. Savings is often safer for short timelines and emergency funds. ETFs may be reasonable for long horizons.

What timeline suits ETFs?

Many people prefer 5+ years, but it depends on volatility and your flexibility.

How do I compare properly?

Use the same contributions and timeline in the ETF vs Savings calculator and compare outcomes.

Does this include tax/fees?

No. Treat results as estimates and use conservative assumptions.

What’s the simplest next step?

Run a conservative savings scenario and a conservative ETF scenario, then compare.